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Do Not Let Paying for Addiction Treatment Keep You From Getting Help

The one thing scarier than finding money for a drug habit is pulling together enough funds to recover safely from substance abuse. When advertised addiction programs are in the thousands of dollars, substance abuse recovery may seem impossible. However, paying for addiction treatment isn’t as difficult as it might appear. Between government entities and health insurance programs, you can find the help you need to kick that drug habit and live a fulfilling life.

No Matter Your Financial Status, You Can Get Help for Addiction

You may have seen those famous commercials with superstar celebrities entering swanky rehabilitation centers, making your dreams of recovery an impossibility. However, anyone can receive the treatment required regardless of financial situations. From low-income users to super-rich addicts, there are several outlets to explore for the perfect treatment match.

If you have insurance, speak to your representative initially. Health insurance policies can be outright confusing, but their representatives can translate your coverage to find out if substance abuse is covered. They’ll tell you about minimum and maximum payments along with covered drug problems. Insurance agents may even have an option for supplemental coverage if the main policy doesn’t cover many charges. Health insurance often is the best way to finance recovery for any income group.

Low-income people can also look to government programs. Both state and federal departments offer certain substance recovery programs to keep citizens healthy. Contact the local health department office to be routed to the right person. Government workers should be able to locate an approved treatment center with most costs covered by taxes. Users must be ready for some monetary payments, however. Small copayments might be necessary to start the road to recovery.

Whether you have access to the Internet at home or from the local library, go online and research treatment centers and their costs. Using search engines, read over several websites to understand costs and possible coverages. Grants and other government funds could be earmarked for specific users, income levels and regions. Be sure to search within your state of residence. Many treatment programs with affordable costs may be reserved for state residents. Keep your search local and you’ll often be able to find several facilities with flexible financing options.

Governments and other entities usually provide funding for all recovering users because it saves money over time. Rampant drug use usually corresponds to poor neighborhoods and increased crime rates. When governments actively help people with any income level, local neighborhoods benefit. It costs the government less money to treat several users than to support them on welfare or deal with increasing crime problems. A healthy community reflects a strong economy, encouraging the government to take care of its citizens.

Regardless of your financial situation, it’s important to speak out when recovery is needed. As more people demand treatment, governments and other entities can allocate funds to properly support the community. They may even reach out to private recovery facilities to work out an affordable deal. These recovery specialists want to help people regardless of the charges involved. If government and private recovery programs work harmoniously, all users can be treated as the unique individuals they are. Simply ask about and research all treatment options to find the best fit for you.

Methods of Paying for Addiction Treatment

You must put yourself first when it comes to substance abuse recovery, so paying for treatment should be a top priority. It’s true that facilities charge hundreds and thousands of dollars for their services, but they pay off in countless ways as life improves without drugs as a crutch. Take a hard look at all of your available monetary funds to start payments immediately to a qualified facility.

Your savings should be the first area on which to concentrate. Although your savings may have been depleted buying illegal substances, even a small amount is sufficient to start a treatment program. Friends and family may want to help pay for treatment as well. Only accept these funds if you feel comfortable with the situation. Many recovering addicts want to pay their own way on personal principle.

A number of employers offer flexible health savings accounts, allowing you to add a specific monetary amount to the fund with each paycheck. If you signed up for this account type, contact your company’s representatives to verify amounts. Certified treatment programs usually qualify as appropriate facilities for funding. Always verify that the center is approved by your flex account, however. Misappropriating funds to the wrong facility could require a payback and fines.

Substance abusers with equity in their properties may have the chance to take some funds out of the home for treatment payment. Home equity loans are beneficial because you get to deduct interest on your income taxes next filing period. You’ll have to make payments on the loan, but it doesn’t equate to as much as a full cash payment to a treatment facility. Speak to a banking representative to verify equity and availability. You must have relatively good credit to make this payment option work.

Don’t be tempted to use credit cards for treatment payment. You may have thousands of dollars in credit, but those funds must be paid back with substantial interest. If you have money coming into your bank account soon to pay off a credit card balance, however, paying with your card is a viable option. You simply want to use the credit for about a month, paying it off when funds are available. Allowing the charge to sit unpaid for months on end only costs significant interest and a higher payback amount.

You can also use a personal loan to pay for treatment. These loans have better interest rates than credit cards, so simply speak to a banking representative about amounts and possible limitations. It may be necessary to have a cosigner on the loan, however. Speak to family and friends about potentially cosigning to make treatment a reality. They must understand that any default on the loan makes them liable for the amount. Be sure you’re ready for recovery before signing a loan document. You don’t want to let yourself and everyone else down.

Finding Addiction Programs or Organizations That Offer Scholarships

Your sobriety is beneficial to the community, so there are many programs geared toward treatment funding. There are actual scholarships available to completely or partially pay a treatment balance. Finding those organizations, however, can be difficult at first glance. It takes some legwork to find and apply for treatment scholarships.

Initially, visit a nearby treatment center for any references. These facilities often work with neighborhood groups who provide scholarships. Organizations may be nonprofit entities, making their advertising almost nonexistent. You may have never heard about some of these organizations, but they make it their goal to help people in need. Typically, you’ll need to contact their offices to schedule an appointment. An in-person meeting is often required to see if a person is truly ready to stop using and start living.

Every city or town has a health department to treat and control common diseases and mental issues. Contact your local health department and ask about treatment scholarships. Local, state or federal governments usually run these facilities, making their industry connections vast. Scholarships could be available based on age, drug type, income level and several other factors. Offer any information that’s helpful to office personnel so they may direct you to the best scholarships for your situation.

Don’t limit yourself to only one scholarship – apply to several. Even if many scholarships are long shots, it’s still a good idea to try for any funds possible. Many people end up combining scholarships to pay for their treatment. It’s important to remain honest when applying. Don’t exaggerate or stretch the truth on applications because others may be more qualified for the funds than you.

Begin filling out all of the scholarships for which you qualify with clear handwriting. Don’t leave any areas blank, as that can disqualify you. Fill out every section to the best of your knowledge. If possible, use online forms to submit the information instead. Scholarship processing might be faster through online communications. Make copies of all submissions and date them for future reference.

It’s critical to follow up with your submissions by calling scholarship departments. Give the submission authorities at least a week to look over your application. Being too pushy can bother some scholarship councils. Each organization has a different protocol, but you should hear an answer back within a few weeks. When you follow up, be courteous and ask about any details surrounding the application. They might have a question about information you provided to clarify your application.

Calling the organization tells scholarship officials you’re serious about pursuing sobriety and a healthier lifestyle. Even striking up a basic conversation with the scholarship council makes you more human as they look through many applications. Your personal conversations could sway a scholarship vote to fund you instead of another person.

If You Have the Desire, You Can Find the Way to Recovery

Find the support you need through friends, family and local affiliates. Substance abuse requires a web of friendly faces to keep your goals clean and clear. There’s a long road ahead, but it can be traversed with safe and healthy distractions.

Consider talking to a counselor or psychologist to voice any concerns about recovery. There could be conflicting feelings regarding substance abuse and sobriety. Stress may get to you at times, making drug use attractive for a moment. An unbiased third party might make you look at your substance abuse with a more objective lens. By understanding your reasons for using, you can combat them with logic and a healthy lifestyle.

Your social group might have supported your drug use, so it’s time to let those people go. Discovering your sobriety cannot occur if friends are encouraging drug use around you. Look for your trusted friends and family left behind when drugs truly took hold of your life. These loved ones have probably been in your life for years, but were shunned when a healthy lifestyle wasn’t your choice. Your desire and determination should be easily supported by friends and family when they know you want to seek treatment. They may even work closely with you, driving you to appointments or sitting in on counseling sessions.

Whether you opt for inpatient or outpatient treatment, you’ll probably be involved with group sessions. You’ll meet with these people several times a week in some cases. Take control of your sobriety and share your experience with the group. Participate in each session to really get the most out of treatment periods. Talk to the group and make friends with individuals to understand their challenges. When you have a strong familiarity with other users, you gain greater insight into your problems and how to defeat them.

You’re well aware of various drug abuse locations you used to frequent, so forge new locations where sobriety is a priority. When you visit drug user friends or hang out at previous substance abuse locations, you tempt a relapse into old habits. You’re committed to treatment, but placing yourself in a tempting location usually isn’t advised in the early recovery stages. Even recovering addicts who’ve remained sober for a decade or more have temptation issues they fight each day. Steer clear of any drug use areas and you’ll have an easier time remaining sober.

When you can’t keep your hands still, take up a new hobby. Keeping your mind and body engaged in healthy ways can help keep you away from substance abuse. Take up a sport, woodworking or other hobby that pleases you to keep your mind and body occupied away from drugs.

Break out of that substance abuse habit by calling the helpline at 844-806-6511. Paying for addiction programs doesn’t have to bankrupt you or your family. Medical personnel dedicate their lives to help communities thrive with healthy citizens ready to make a positive impact on the world. Using addiction programs to cut drugs out of your lifestyle is just the start to a better life ahead.


Our articles are written by individuals who have seen addiction up close. They may have watched addiction take a toll on someone they loved or had their own battles with substances, and they write for us to spare others some of that pain and confusion. If you find these writings useful and would like to speak to someone who gets addiction, call us at (844) 826-1700.

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